Surrey Bank & Trust

Surrey Bank & Trust is headquartered in Mount Airy and is the 55^th largest bank in the state of North Carolina. It is also the 2,790^th largest bank in the nation. It was established in 1996 and as of March of 2012, it had grown to 66 employees at 5 locations. Surrey Bank & Trust has a 4-star health rating.

Surrey Bank & Trust Routing Number: 053112071

Data for Q1 2012

Institution Statistics Surrey Bank & Trust FDIC Certificate # 34209 BankRate Report View Year Established 1996 Employees 66 Primary Regulator FDIC Assets and Liabilities Assets $228.36 million Loans $177.42 million Deposits $187.20 million Equity Capital $30.81 million Loan Loss Allowance $3.90 million Unbacked Noncurrent Loans $2.56 million Real Estate Owned $438,000 Historic Data - March 2011 Assets $225.28 million Equity Capital $28.80 million Loan Loss Allowance $4.18 million Unbacked Noncurrent Loans $2.67 million Real Estate Owned $574,000 Profit Margin - Quarterly Net Interest Margin 4.48% Return on Assets 1.2% Return on Equity 8.89% Interest Income $2.77 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Surrey Bank & Trust had $3 million in non-current loans and owned real-estate with $34.71 million in equity and loan loss allowances on hand to cover it. This gives Surrey Bank & Trust a Texas Ratio of 8.64% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Surrey Bank & Trust held steady from 10.11% as of March 31, 2011 to 8.64% as of March 31, 2012, resulting in a positive change of 14.53%.This indicates that the balance sheet and financial strength for Surrey Bank & Trust has held steady in recent periods. Deposit Growth In the past year, Surrey Bank & Trust has increased its total deposits by $2.22 million, resulting in 1.2% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Surrey Bank & Trust has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Surrey Bank & Trust has $228.36 million in assets with $34.71 million in equity, resulting in a capitalization level of 15.20%, which is excellent.

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